May 15, 2014, 8:16 am
Last edit by: StartinSanDiego
This thread is now archived. Please follow the topic here: https://www.flyertalk.com/forum/chase-ultimate-rewards/1986148-chase-closed-my-credit-card-account-s-tales-speculation-2019-thread.html
If you feel your account has been unfairly closed, consider filing a complaint with the Consumer Protection Financial Bureau:
CFPB's complaint form: http://www.consumerfinance.gov/complaint/
When someone reports an account closure here, a lot of the same questions get asked. It might be useful to answer some questions in advance. This could help figure out what happened or how to proceed:
2013.9
2013.12 2014.6
http://www.flyertalk.com/forum/chase...ta-points.html
On 1/4/15, LivelyFL noted that 34 posts have referenced account closures (updated 1/25/15):
1, 55, 80, 108, 117, 129, 146, 165, 182, 212, 221, 222, 232, 235, 262, 272, 281, 326, 364, 410, 411, 428, 475, 477, 482, 513, 552, 586, 620, 648, 656, 662, 714, 718, 784 and 815.
Mortgasm provided more detail as follows:
001 - moarmiles little explaination - 'inconsistent spending'
055 - brettskyg chase gift cards tiny ms
080 - Artemk checking chase gift card, tiny MS, international wires, wall-mart BP
108 - TTnc4me (105 actually) no info
117 - rodsren
129 - Kybosh chase gift card checking
146 - mintcilantro - checking 6k/month MS, BB payments from another ss#, some MO/AP, 7new cards in 90days, short cycling
165 - newcomr - checking
182 - thehawk75 - heavy MSw/other banks,
212 - LRD - 2x spend of 20k /month (on two cards), checking
221 - iceman 77_7, no info
222 - jk2 no info
232 - hitman1420 checking , heavy MS activity (no number)
235 - clearlyanewb checking, MS activity (10k AGC and more), light credit history, 10 recent inquiries
262 - brc01 - shortcycling, some MS (18k/month over a few cards), 1
272 - rambo - 70% MS on 5 cards, WM BP of 16k/month on 5 cards
281 - prestonv - heavy MS - 20k/month on multiple chase cards, heavy WMBP (ink stayed open)
326 - pacupgo - false alarm, no shutdown
364 - edh101985 - tiny MS (bonus only) , 4 chase cards in 6 months,
410 - msetr - lots of freedom/ink ms
411 - standaman360 - international wires (business), million dollar balances,
428 - queensgambit - gambling transactions, UR point transfer from SO, 5 chase apps 3 new chase cc in 45 days, Blogger points coach
475 - dogloverjb - checking, international wires,
477 - ftomasz - 14 inquiries in 8 months, 5 chase, minimal MS, rapid upswing in credit, paying from multiple accounts
482 - liw5215 - Heavy MS, re-entered after 13 months
513 - thegasguru - checking, $3k/month MO to checking, NO MS, AP,
552 - LAXtoWorld - 3 cards in 30 days
586 - adavydov7 checking, $1k APs,
648 - CMHFlyerOH - checking, MO, 3k gift cards
656 - I can see for miles - Maxed UR 5x rewards on Freedom and Ink cards. Chased closed all accounts. Was approved for Ritz Carlton card 14 months later and did nothing unusual with it, other than lower CL from 30K to 10K to free up CL for possible approvals. Two subsequent Chase apps (Chase Ink and Marriott Rewards), on separate dates 3+ months later, were declined for a "previous unsatisfactory relationship ..."
662 - frogdog51 - Chase VGCs (Reapproved in 12 months)
677 - Subdawg - closed for piggybacking
714 - Mamibear - 'abuse' redcard MS
718 - maxswanson - MS, 11 chase cards, traded UR, (reapproved after 12 months)
752 - peaser - "reputational risk" associated with the business (decision reversed later)
757 - uncommonsensical checking, 3 Cashier's Check deposits with quick w/d (the w/d were to pay CHASE credit cards! ridiculous 'loss prevention' dept. gods). All CC's closed 2 days later. Tried EX Office- they seem to have zero power once the Mullah in loss prevention has issued a fatwa (my guess: some 27 year old with a god complex).
762 - knopfler - checking closed (all credit cards closed in both mine and Mrs. Knopflers accounts about three weeks after checking closure)
771 - milemonkey - 'reputational Risk" connected to Attorney General lawsuit
784 - unstable one: 2 cash deposits over 10k to chase checking
815 - dukerau - one time UR point sale, 77% spending is 5x,
If you feel your account has been unfairly closed, consider filing a complaint with the Consumer Protection Financial Bureau:
CFPB's complaint form: http://www.consumerfinance.gov/complaint/
When someone reports an account closure here, a lot of the same questions get asked. It might be useful to answer some questions in advance. This could help figure out what happened or how to proceed:
- Did you transfer UR points to someone with a different address? Different last name?
- Did you sell UR points to someone?
- Approximately what percentage of your charges earned less than 5x points in the past 12 months?
- Did a Chase or non-Chase bank recently close one of your credit cards?
- Are you using up a large percentage of your credit line on all Chase and non-Chase credit cards?
- Is your total credit line with Chase much higher than with other banks?
- Did you apply for many credit cards or other forms of credit in the past 2 months? ("Many" may be hard to define.)
- If you have a Chase checking account how much did you typically deposit in money orders per month, if any?
- Did you recently start spending a lot more with Chase than in typical months?
- Is your monthly balance frequently close to your credit limit?
- Approximately what percentage of spending was on gift cards this year?
- How much of your bill do you typically pay using WM or KMart bill payment if any?
- Do you have a Chase mortgage or other account that might be profitable to Chase?
- Has your credit score or credit profile changed recently? As in: significantly more debt, more open credit lines, or a large drop in your credit score?
2013.9
2013.12 2014.6
http://www.flyertalk.com/forum/chase...ta-points.html
On 1/4/15, LivelyFL noted that 34 posts have referenced account closures (updated 1/25/15):
1, 55, 80, 108, 117, 129, 146, 165, 182, 212, 221, 222, 232, 235, 262, 272, 281, 326, 364, 410, 411, 428, 475, 477, 482, 513, 552, 586, 620, 648, 656, 662, 714, 718, 784 and 815.
Mortgasm provided more detail as follows:
001 - moarmiles little explaination - 'inconsistent spending'
055 - brettskyg chase gift cards tiny ms
080 - Artemk checking chase gift card, tiny MS, international wires, wall-mart BP
108 - TTnc4me (105 actually) no info
117 - rodsren
129 - Kybosh chase gift card checking
146 - mintcilantro - checking 6k/month MS, BB payments from another ss#, some MO/AP, 7new cards in 90days, short cycling
165 - newcomr - checking
182 - thehawk75 - heavy MSw/other banks,
212 - LRD - 2x spend of 20k /month (on two cards), checking
221 - iceman 77_7, no info
222 - jk2 no info
232 - hitman1420 checking , heavy MS activity (no number)
235 - clearlyanewb checking, MS activity (10k AGC and more), light credit history, 10 recent inquiries
262 - brc01 - shortcycling, some MS (18k/month over a few cards), 1
272 - rambo - 70% MS on 5 cards, WM BP of 16k/month on 5 cards
281 - prestonv - heavy MS - 20k/month on multiple chase cards, heavy WMBP (ink stayed open)
326 - pacupgo - false alarm, no shutdown
364 - edh101985 - tiny MS (bonus only) , 4 chase cards in 6 months,
410 - msetr - lots of freedom/ink ms
411 - standaman360 - international wires (business), million dollar balances,
428 - queensgambit - gambling transactions, UR point transfer from SO, 5 chase apps 3 new chase cc in 45 days, Blogger points coach
475 - dogloverjb - checking, international wires,
477 - ftomasz - 14 inquiries in 8 months, 5 chase, minimal MS, rapid upswing in credit, paying from multiple accounts
482 - liw5215 - Heavy MS, re-entered after 13 months
513 - thegasguru - checking, $3k/month MO to checking, NO MS, AP,
552 - LAXtoWorld - 3 cards in 30 days
586 - adavydov7 checking, $1k APs,
648 - CMHFlyerOH - checking, MO, 3k gift cards
656 - I can see for miles - Maxed UR 5x rewards on Freedom and Ink cards. Chased closed all accounts. Was approved for Ritz Carlton card 14 months later and did nothing unusual with it, other than lower CL from 30K to 10K to free up CL for possible approvals. Two subsequent Chase apps (Chase Ink and Marriott Rewards), on separate dates 3+ months later, were declined for a "previous unsatisfactory relationship ..."
662 - frogdog51 - Chase VGCs (Reapproved in 12 months)
677 - Subdawg - closed for piggybacking
714 - Mamibear - 'abuse' redcard MS
718 - maxswanson - MS, 11 chase cards, traded UR, (reapproved after 12 months)
752 - peaser - "reputational risk" associated with the business (decision reversed later)
757 - uncommonsensical checking, 3 Cashier's Check deposits with quick w/d (the w/d were to pay CHASE credit cards! ridiculous 'loss prevention' dept. gods). All CC's closed 2 days later. Tried EX Office- they seem to have zero power once the Mullah in loss prevention has issued a fatwa (my guess: some 27 year old with a god complex).
762 - knopfler - checking closed (all credit cards closed in both mine and Mrs. Knopflers accounts about three weeks after checking closure)
771 - milemonkey - 'reputational Risk" connected to Attorney General lawsuit
784 - unstable one: 2 cash deposits over 10k to chase checking
815 - dukerau - one time UR point sale, 77% spending is 5x,
Chase closed my credit card account(s) [Archived 2013-mid 2019]
Dec 22, 2013, 5:01 pm
#78
Join Date: Mar 2013
Posts: 274
I can't think they'd target people to make $3,000 and expose themselves. There's more to the story.
Dec 22, 2013, 6:34 pm
#79
Join Date: Oct 2002
Location: SYD
Programs: QF Emerald EY Plat HH D
Posts: 1,270
Surely there is a banking ombudsman or a fair trading in your state who you can complain to.that is what I would do!
Dec 23, 2013, 8:07 am
#80
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
Count me in.
It all started with a letter from Chase that my Checking and Savings will be closed. Few days later I put in a request to transfer 100K UR Points to UA - the transfer never completed, now all my cards - Ink Bold, Sapphire, United - shown as closed. Requests to transfer points or make a purchase with points error out.
Planning on calling them later, but don't have much hope.
Most of the 'questionable' activity I can think of are Chase Gift Card purchases. There was some additional activity on cards, but not much.
Not sure why it all started from Chase accounts - I never did MOs - liquidated through BB.
Will keep you guys posted, but it seems to me I will be looking for help on trying to get my points back...
It all started with a letter from Chase that my Checking and Savings will be closed. Few days later I put in a request to transfer 100K UR Points to UA - the transfer never completed, now all my cards - Ink Bold, Sapphire, United - shown as closed. Requests to transfer points or make a purchase with points error out.
Planning on calling them later, but don't have much hope.
Most of the 'questionable' activity I can think of are Chase Gift Card purchases. There was some additional activity on cards, but not much.
Not sure why it all started from Chase accounts - I never did MOs - liquidated through BB.
Will keep you guys posted, but it seems to me I will be looking for help on trying to get my points back...
Dec 24, 2013, 4:09 am
#81
Join Date: Sep 2012
Location: Western US
Programs: WN CP, WN A-List Preferred, AS MVPG 75k, SPG Gold, Hilton Gold, Hyatt Diamond
Posts: 554
Count me in.
It all started with a letter from Chase that my Checking and Savings will be closed. Few days later I put in a request to transfer 100K UR Points to UA - the transfer never completed, now all my cards - Ink Bold, Sapphire, United - shown as closed. Requests to transfer points or make a purchase with points error out.
Planning on calling them later, but don't have much hope.
Most of the 'questionable' activity I can think of are Chase Gift Card purchases. There was some additional activity on cards, but not much.
Not sure why it all started from Chase accounts - I never did MOs - liquidated through BB.
Will keep you guys posted, but it seems to me I will be looking for help on trying to get my points back...
It all started with a letter from Chase that my Checking and Savings will be closed. Few days later I put in a request to transfer 100K UR Points to UA - the transfer never completed, now all my cards - Ink Bold, Sapphire, United - shown as closed. Requests to transfer points or make a purchase with points error out.
Planning on calling them later, but don't have much hope.
Most of the 'questionable' activity I can think of are Chase Gift Card purchases. There was some additional activity on cards, but not much.
Not sure why it all started from Chase accounts - I never did MOs - liquidated through BB.
Will keep you guys posted, but it seems to me I will be looking for help on trying to get my points back...
Dec 24, 2013, 6:40 am
#82
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
That's is my plan right now - I'll probably file with small claims - it's over a $1,000 after all. I don't understand discussions on what "crazy" is... I did not do anything illegal with my accounts or cards.
Dec 24, 2013, 11:28 am
#83
Join Date: Nov 2013
Posts: 406
with all these account closures, i went ahead and transferred bulk load of my points to United. Playing it safe for now (HOPEFULLY).
Good luck everyone with the small claims. I hope you win!!!
Good luck everyone with the small claims. I hope you win!!!
Dec 24, 2013, 4:41 pm
#84
Join Date: Aug 2012
Location: BOS
Programs: Chase Ultimate Rewards
Posts: 624
I hope you have a specific redemption in mind and make it before Feb. 1, which is when United is devaluing the program.
Dec 26, 2013, 4:59 pm
#86
Join Date: Sep 2013
Posts: 829
Count me in.
It all started with a letter from Chase that my Checking and Savings will be closed. Few days later I put in a request to transfer 100K UR Points to UA - the transfer never completed, now all my cards - Ink Bold, Sapphire, United - shown as closed. Requests to transfer points or make a purchase with points error out.
Planning on calling them later, but don't have much hope.
Most of the 'questionable' activity I can think of are Chase Gift Card purchases. There was some additional activity on cards, but not much.
Not sure why it all started from Chase accounts - I never did MOs - liquidated through BB.
Will keep you guys posted, but it seems to me I will be looking for help on trying to get my points back...
It all started with a letter from Chase that my Checking and Savings will be closed. Few days later I put in a request to transfer 100K UR Points to UA - the transfer never completed, now all my cards - Ink Bold, Sapphire, United - shown as closed. Requests to transfer points or make a purchase with points error out.
Planning on calling them later, but don't have much hope.
Most of the 'questionable' activity I can think of are Chase Gift Card purchases. There was some additional activity on cards, but not much.
Not sure why it all started from Chase accounts - I never did MOs - liquidated through BB.
Will keep you guys posted, but it seems to me I will be looking for help on trying to get my points back...
When I first heard about Chase closing accounts due to CGC purchases, I transferred all my points to UA. I had like $30K in CGC at some point, using all my CCCs for purchases.
If you did try to transfer right away, maybe you would succeed. But then again, maybe not.
Anyway, good luck.
Dec 26, 2013, 5:31 pm
#87
Join Date: Nov 2009
Location: SDF
Programs: UA, HH
Posts: 692
Thanks, I'll need it.
Dec 28, 2013, 1:36 pm
#88
Join Date: Oct 2006
Location: USA
Programs: DL PM, Hyatt Globalist
Posts: 2,367
Dec 28, 2013, 5:19 pm
#89
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
Posts: 608
